Are there exceptions to the chapter 7 income test if the person has too much income to qualify now but believes they will not be able to complete a chapter 13 due to impending heart surgery?

Unfortunately bankrupcy laws do not allow for what may or may not happen in the future. An option might be for the petitioner to file the "13" and if the surgery becomes a reality try to have the "13" dismissed, then file a chapter 7.